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School Sports insurance Question

Old 09-03-2016, 05:45 PM
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One of our tenants has 6 boys and they have no health insurance. 4 of the boys play school sports, so here's the question:

If a kid gets hurt while involved with school activities/sports, does every school have blanket insurance to cover ACLs, concussions, broken bones?

If so, are these policies unlimited (as if a kid goes into a coma for years)?

If not, are parents screwed if they can't afford health insurance?
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Old 09-03-2016, 05:49 PM
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I thought Obama gave insurance to everyone.
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Old 09-03-2016, 05:54 PM
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when i played football in high school we had to have a physical and proof of insurance. circa 1979-1983.

i broke my neck in 82 playing football. it was covered by my own insurance.
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Old 09-03-2016, 05:57 PM
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Originally Posted by Brashanic View Post
when i played football in high school we had to have a physical and proof of insurance. circa 1979-1983.

i broke my neck in 82 playing football. it was covered by my own insurance.
That's the basis of my question, considering that a lot of kids playing sports come from families that have no insurance.
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Old 09-03-2016, 06:26 PM
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When my kid played school sports (2000-2005) If you didn't have private coverage you purchased coverage through the school,IIRC It was around $25 a school year. Boosters usually ponied up for the talented players that couldn't pay the fees.
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Old 09-03-2016, 06:29 PM
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My experience is that schools make you sign a waiver and provide proof of insurance. They regard it as parent/student responsibility. When the ambulance takes a player to the hospital, the hospital is going to ask the parent/guardian for insurance info, not any school official. We bought a special policy, in addition to our regular insurance, that was offered by a company specializing in school sports insurance. It was less than $300 one time payment for a year of sports, but we only had one kid to pay for. The school did pay for a doctor present at games, and that doc did take care of minor injuries at no additional charge, scrapes, bruises, sprains and such, but office visits and hospital were parent responsibility.
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Old 09-03-2016, 06:32 PM
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Here the school pays for a 1,500 policy. Otherwise you're on your own, I think
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Old 09-04-2016, 05:08 AM
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seems the school should buy the insurance
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Old 09-04-2016, 05:20 AM
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There should be an inexpensive sports policy through the school.
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Old 09-04-2016, 10:14 AM
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Originally Posted by edwardh1 View Post
seems the school should buy the insurance
If there's a $1500 limit (or any limit, for that matter), then a school-related serious injury would ruin many families. Seems like the day of Whole-School Activities Insurance hasn't come yet?
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Old 09-04-2016, 10:20 AM
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I was on track and gymnastics in HS, had to sign a waiver but ultimately the school can be held liable, especially if something unforeseen happens, (Javelin to the chest).
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Old 09-04-2016, 10:40 AM
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Originally Posted by edwardh1 View Post
seems the school should buy the insurance
Why?

Does aca not require insurance or pay a fine.

Local school system requires insurance, no one checks to make sure they aren't lying..

I will tell you Medicaid, school insurance doesn't pay crap..which means your not going to see a top doctor..but you will eventually get care..emergency care is still provided with or without insurance

It is not the school 's responsibility to provide health insurance, just free meals, after school care, etc...
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Old 09-04-2016, 10:55 AM
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My son got a concussion playing football. My insurance covered the injury, the school's insurance covered my out of pocket costs.
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Old 09-04-2016, 07:02 PM
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I know our district requires them to have either private insurance or they get covered under a policy by the school. If I am correct if they are on free or reduced lunch they get the coverage for free however I will find out

In all honesty if they have not insurance I am betting they are on Medicaid anyway since they are under age

The insurance is more to release the school district/HS league from liability from what I understand
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Old 09-04-2016, 07:13 PM
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Originally Posted by tprice View Post
I know our district requires them to have either private insurance or they get covered under a policy by the school. If I am correct if they are on free or reduced lunch they get the coverage for free however I will find out

In all honesty if they have not insurance I am betting they are on Medicaid anyway since they are under age

The insurance is more to release the school district/HS league from liability from what I understand
We have a winner, our kids either show proof of insurance or medicade or they don't suit up.
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Old 09-05-2016, 08:39 AM
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Originally Posted by bamaboy473 View Post
One of our tenants has 6 boys and they have no health insurance. 4 of the boys play school sports, so here's the question:

If a kid gets hurt while involved with school activities/sports, does every school have blanket insurance to cover ACLs, concussions, broken bones?

If so, are these policies unlimited (as if a kid goes into a coma for years)?

If not, are parents screwed if they can't afford health insurance?
Bamaboy I don't know if all schools participate but I know when my kids played sports (2 years ago) they were covered by Insurance through the Alabama State High School Athletic Association. Their school required everybody from the football team to the cheerleaders and the band to pay for it. It was relatively cheap ($25 maybe) but I think that is because it is secondary insurance if you were already covered and I never bothered to see what it actually covered because my kids were covered anyway.
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Old 09-05-2016, 06:44 PM
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on our school required physical form it has a section where you fill in your insurance info If you dont have insurance then you must buy the very inexspensive insurance that is offered to all students roughly 25 a year. No insurance info no play.
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